Cheap Car Insurance in Waco, Texas (With 2021 Rates)

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Home » Car insurance » Texas » Cheap Car Insurance Waco

Lowest Premium

$318 / YEAR

Average Premium

$489 / YEAR

Highest Premium

$685 / YEAR

50/100/50 (minimum liability) ⓘ How the premiums are calculated

The average annual premium in Waco is around $489 and can go upto $685. This is for a 30 year old female buying 50/100/50 coverage which is considered as the minimum liability.

Texas Car Insurance Minimum Requirement by Law

As per the Department of Public Safety in the state requires a minimum of 30/60/25 as explained below:

  • $30,000 coverage for all types of bodily injury suffered by one individual in one accident
  • Bodily injury suffered by two or more people is $60,000. The amount is the same for deaths of two or more people caused by one accident
  • Damage to property or injury to others in one accident is $25,000.
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Best Car Insurance Companies in Texas and Rates Offered

The cheapest car insurance rates in the state is provided by Geico Insurance followed by Farmers Insurance. But the major players are State Farm, Progressive and Farmers insurance in order.

CompanyAnnual premium (50/100/50)Market shareComplaints
Geico$3506.00% ($1,151,485,019)1
Farmers$3857.98% ($1,530,613,603)2
State Farm$39016.03% ($3,074,590,659)119
Allstate$4957.38% ($1,416,050,038)4
Liberty Mutual$5504.36% ($836,938,040)64
Progressive$6608.75% ($1,678,264,745)0

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Car Insurance Rates in Waco by ZIP codes

The table below lists the average insurance rates for 50/100/50 (minimum liability) accross the zip codes in Waco. We have omitted the zip codes that has same insurance rates. If your zip code is not listed in the table, please refer to the zip code near to you since the insurance rates will be same as of the neighbouring zip code.

ZipAvg. Premium
76701$462
76702$506
76704$470
76705$468
76708$494
76710$489
76711$461
76798$467

Insurance Agents in Waco, TX and Near by

  • 0 mi
    Waco Tax Service and Insurance
    2024 W Waco Dr Ste 2, Waco, TX 76701
    (254) 230-9891
  • 0 mi
    Texian Insurance Agency
    2208 W Waco Dr, Waco, TX 76701
    (254) 756-4242
  • 0 mi
    Bailey Insurance & Risk Management
    1201 Washington Ave, Waco, TX 76701
    (254) 753-5317
  • 0 mi
    John Zucha
    1026 Washington Ave, Waco, TX 76701
    (254) 753-5200
  • 0 mi
    SIG - Lewis Insurance Group
    801 Washington Ave Ste 417, Waco, TX 76701
    (254) 753-2505
  • 0 mi
    ANCO Insurance
    605 Austin Ave Ste 5, Waco, TX 76701
    (254) 752-2626
  • 0 mi
    Insurors of Texas
    225 S 5th St, Waco, TX 76701
    (254) 759-3701
  • 0 mi
    Isaiah Martinez
    220 S 2nd St Ste 1, Waco, TX 76701
    (254) 300-4636
  • 1.16 mi
    Freeway Insurance
    2425 W Waco Dr, Waco, TX 76707
    (254) 985-6076
  • 1.16 mi
    Carlos Diaz Insurance Agency
    1216 N 25th St, Waco, TX 76707
    (254) 752-1875
  • 1.16 mi
    Watkins Insurance Group
    3001 W Waco Dr Ste A, Waco, TX 76707
    (254) 714-1300
  • 2.74 mi
    ICA Insurance Agency
    702 S Valley Mills Dr Apt C, Waco, TX 76711
    (254) 752-3366
  • 2.74 mi
    Texian Insurance Agency
    3421 Memorial Dr, Waco, TX 76711
    (254) 753-1063
  • 2.74 mi
    Matt Dill
    1000 S New Rd Ste 180, Waco, TX 76711
    (254) 752-2022
  • 3.46 mi
    Nitsche Group
    329 W Highway 6 Ste A, Waco, TX 76710
    (254) 420-3900
  • 3.46 mi
    Regions Insurance
    6801 Sanger Ave Ste 240, Waco, TX 76710
    (800) 467-7617
  • 3.46 mi
    Fitzhugh Insurance & Bonds
    345 Owen Ln Ste 130, Waco, TX 76710
    (254) 741-9599
  • 3.46 mi
    Salinas Insurance Agency
    345 Owen Ln Ste 129, Waco, TX 76710
    (254) 741-0770
  • 3.46 mi
    Paragon Independent Insurance Agency
    6600 Sanger Ave Ste 2, Waco, TX 76710
    (254) 235-5111
  • 3.46 mi
    ISG - Libertas Insurance
    6600 Sanger Ave Ste 9, Waco, TX 76710
    (512) 761-6379
  • 3.46 mi
    Mark Bailey
    6515 Sanger Ave Ste 17, Waco, TX 76710
    (254) 772-0060
  • 3.46 mi
    Autopartners Insurance Agency
    2510 W Waco Dr, Waco, TX 76710
    (254) 296-2228
  • 3.46 mi
    A-Max Auto Insurance
    2500 W Waco Dr, Waco, TX 76710
    (254) 752-8000
  • 3.46 mi
    David Gonzales
    2501 Franklin Ave, Waco, TX 76710
    (254) 772-2631
  • 3.46 mi
    Vista Insurance Agency
    2800 W Waco Dr, Waco, TX 76710
    (254) 230-4361
  • 3.46 mi
    Mike McKenzie
    2910 W Waco Dr, Waco, TX 76710
    (254) 412-2327
  • 3.46 mi
    Acceptance Auto Insurance
    3609 W Waco Dr, Waco, TX 76710
    (254) 537-0380
  • 3.46 mi
    Insurors of TX General Agency
    3701 W Waco Dr, Waco, TX 76710
    (254) 756-3731
  • 3.46 mi
    Baker and Carey Insurance Agency
    3529 Bosque Blvd, Waco, TX 76710
    (254) 752-2277
  • 3.46 mi
    Henry Chase
    3925 W Waco Dr Ste B, Waco, TX 76710
    (254) 235-7619
  • 3.46 mi
    Addax Insurance
    719 N New Rd, Waco, TX 76710
    (254) 732-4046
  • 3.46 mi
    J & H Insurance Services
    510 N Valley Mills Dr Ste 701, Waco, TX 76710
    (254) 772-6074
  • 3.46 mi
    Harry Cleveland
    534 N New Rd, Waco, TX 76710
    (254) 772-1111
  • 3.46 mi
    Doug Buchanan
    536 N New Rd, Waco, TX 76710
    (254) 741-6565
  • 3.46 mi
    Amco & Remco Insurance
    737 N Valley Mills Dr, Waco, TX 76710
    (254) 772-6300
  • 3.46 mi
    Mark Sedberry
    4600 Bosque Blvd, Waco, TX 76710
    (254) 537-1049
  • 3.46 mi
    Donald Rowan Insurance Agency
    537 Westview Vlg, Waco, TX 76710
    (254) 772-8728
  • 3.46 mi
    Bart Romig
    919 N Valley Mills Dr Ste A, Waco, TX 76710
    (254) 772-5025
  • 3.46 mi
    Terry Strickland
    4949 Franklin Ave, Waco, TX 76710
    (254) 776-7100
  • 3.46 mi
    Jason Kirk
    1201 Lake Air Dr Ste C, Waco, TX 76710
    (254) 227-6555
  • 3.46 mi
    Alan Rhea
    4708 W Waco Dr, Waco, TX 76710
    (254) 776-9595
  • 3.46 mi
    Browder General Insurance Agency
    4800 Lakewood Dr Ste 3, Waco, TX 76710
    (254) 776-1582
  • 3.46 mi
    John Michael Bull
    1600 Lake Air Dr, Waco, TX 76710
    (254) 772-0852
  • 3.46 mi
    Glenn Cannon
    4800 W Waco Dr Ste 102, Waco, TX 76710
    (254) 732-1622
  • 3.46 mi
    Texas First State Insurance Plus Agency
    5001 Bosque Blvd, Waco, TX 76710
    (254) 399-5109
  • 3.46 mi
    Easley Insurance & Financial Services
    5006 Lakeland Cir Ste 208, Waco, TX 76710
    (254) 399-0600
  • 3.46 mi
    Darlene Vise
    5010 Lakeland Cir Ste C, Waco, TX 76710
    (254) 227-0251
  • 3.46 mi
    Nicole Omo
    1515 Wooded Acres Dr, Waco, TX 76710
    (254) 399-6565
  • 3.46 mi
    The Insurance Center of Central Texas
    2012 Lake Air Dr Ste B, Waco, TX 76710
    (254) 776-1290
  • 3.46 mi
    Direct General Auto Insurance
    1428 Wooded Acres Dr Ste 110, Waco, TX 76710
    (254) 399-6699
  • 3.46 mi
    Jeffrey Pechacek
    812 Lake Air Dr, Waco, TX 76710
    (254) 776-1599
  • 3.46 mi
    Blake Harrell
    720 Lake Air Dr, Waco, TX 76710
    (254) 772-0171
  • 3.46 mi
    Keith Sanders
    4201 Lake Shore Dr Ste F, Waco, TX 76710
    (254) 235-8199
  • 3.46 mi
    Joseph Morphis
    1412 N Valley Mills Drive, Waco, TX 76710
    (254) 776-0215
  • 3.46 mi
    Richard Tyrone Allen
    5601 Edmond Ave Ste E, Waco, TX 76710
    (254) 339-9375
  • 3.46 mi
    Robert Hyde
    1838 N Valley Mills Dr, Waco, TX 76710
    (254) 227-6558
  • 3.46 mi
    Scott Everett
    1838 N Valley Mills Dr, Waco, TX 76710
    (254) 227-6553
  • 3.46 mi
    Jeff Holder
    1838 N Valley Mills Dr, Waco, TX 76710
    (254) 227-6556
  • 3.46 mi
    Steven Tindell
    1838 N Valley Mills Dr, Waco, TX 76710
    (254) 227-6550
  • 3.46 mi
    Sue Berry
    331 W Highway 6 Ste F, Waco, TX 76710
    (254) 772-2040
  • 3.46 mi
    Brian Hartley
    331 W Highway 6 Ste F, Waco, TX 76710
    (254) 741-0414
  • 3.46 mi
    Steven Gereghty
    2032a N Valley Mills Dr, Waco, TX 76710
    (254) 741-9200
  • 3.46 mi
    Goosehead Insurance - Jami Curry & Marla Holmes
    7111 Bosque Blvd Ste 203, Waco, TX 76710
    (254) 523-0301
  • 3.46 mi
    Brazos Valley Insurance Agency
    7111 Bosque Blvd Ste 202, Waco, TX 76710
    (254) 751-0300
  • 3.46 mi
    Integra Insurance Services
    7215 Bosque Blvd Ste 120, Waco, TX 76710
    (972) 786-3656
  • 5.73 mi
    Waco Tax Service and Insurance
    1206 N Loop 340 Ste B, Waco, TX 76705
    (254) 799-2800
  • 5.73 mi
    John Chappell
    2507a Behrens Cir, Waco, TX 76705
    (254) 339-1777
  • 5.73 mi
    Matula Insurance Agency
    2720 Bellmead Dr, Waco, TX 76705
    (254) 799-9616
  • 5.73 mi
    Direct General Auto Insurance
    119 Eastgate Plz, Waco, TX 76705
    (254) 523-3493
  • 6.53 mi
    A-Max Auto Insurance
    1706 S 19th St, Waco, TX 76706
    (254) 753-2000
  • 6.53 mi
    Herman Bell Insurance Agency
    2118 La Salle Ave, Waco, TX 76706
    (254) 756-0691
  • 6.53 mi
    Amanda Barton
    2125 S Valley Mills Dr, Waco, TX 76706
    (254) 857-7277
  • 6.53 mi
    Talbert West Agency
    107 Meadowbrook St, Waco, TX 76706
    (254) 715-3030
  • 6.53 mi
    David Dickerson
    505 N Robinson Dr, Waco, TX 76706
    (254) 662-1958
  • 6.53 mi
    TWFG Insurance Services - Brad Dixon
    506 S Robinson Dr, Waco, TX 76706
    (254) 776-1986
  • 6.53 mi
    Bill Haddox Insurance
    100 N Robinson Dr, Waco, TX 76706
    (254) 662-4171
  • 6.72 mi
    Rick Cummings
    6801 Steinbeck Bend Dr, Waco, TX 76708
    (254) 756-0130
  • 6.72 mi
    Budget Auto Insurance
    3801 N 22nd St, Waco, TX 76708
    (254) 235-0515
  • 6.72 mi
    Texas Farm Bureau Insurance
    10201 China Spring Rd Ste 100, Waco, TX 76708
    (254) 836-9893
  • 6.72 mi
    Steve McCraw
    10324 China Spring Rd Ste B, Waco, TX 76708
    (254) 754-7677
View all agents ↓

Learn More About Car Insurance in Waco, TX

Helpful Info on Texas Car Insurance

Here is a list of useful information regarding Texas car insurance and driving in Texas roads.

Total vehicles registered24,527,939
Total uninsured motorists14.1%
Estimated economic loss of all vehicle crashes$38.4 billion

Sources: uninsured motorists, 2015, crash report, 2018

Different car insurance coverage options available in Texas

There are different coverages to protect your family and your car in the event of an accident. It is always better to have enough coverage to not incur any loss in such scenarios. Below is a list of coverages available in Texas state.

  • Liability covers for the payment to other car driver and car met by accident caused by you. Texas law requires you to have at least 30/60/25 coverage. This will cover for injuries $30,000 per person and $60,000 per accident. It also covers for property damage up to $25,000. It is better to have enough coverage than just having the minimum required 30/60/25 coverage to make sure all the losses are covered with your insurance.
  • Collision covers for the expenses on your car caused by accident.
  • Comprehensive covers your car cost if your car is stolen or damaged by fire, flood, vandalism.
  • Medical payments cover your's and your passenger's medical bills
  • Personal injury protection (PIP) coverage is similar to medical payments coverage but also covers for the loss of pay and other non-medical expenses caused by accident.
  • Uninsured/underinsured motorist covers for the damage to you and your car caused by an uninsured or underinsured motorist. This is required in Texas, but you can opt-out from this coverage.
  • Towing and labor covers for the pay for towing your car and labor cost.
  • Rental reimbursement covers the payment for rental car service used when your car which had an accident is being repaired.

Methodology

The insurance rates mentioned in this article is based on the average amount for a 30 year old female purchasing 50/100/50 ($50,000 for injury liability for one person, $100,000 for all injuries and $50,000 for property damage in an accident) liability car insurance coverage. The premium rate can be higher or lower than the rates specified depending on the type of coverage one may choose, deductibles applied and the discounts offered by insurance company.